DETAILED DESCRIPTION

[0011] FIG. 1 is a flow diagram depicting an individual's initial contact with the system of the invention. In this embodiment, an individual's call by telephone to the secure automated response system 2 initiates an interactive dialogue with the individual. This dialog begins with the welcome 4 which verifies that the individual has read an instruction sheet included in a benefit plan starter kit that has been put in the individual's possession. Presumably, the individual has been separated from employment and the last employer or client has an administered SUB plan.

[0012] The automated response system next verifies, at the main menu 6, if the individual is a first time caller, if the individual is calling to validate his weekly employment status or if the individual is calling to report re-employment. At step 6, the individual also has an opportunity to repeat the information offered by the secured automated response system or to access a live operator for assistance, depicted at step 8.

[0013] If the individual is a first time caller, the system proceeds to FIG. 2, where, as an initial step, the individual is asked to enter or provide on a telephone touch keypad his social security number 10. The individual next has an opportunity to correct his social security number if a mistake is made 12. If the number does not correspond to the data, the individual may be referred to a live operator 14.

[0014] Once the social security number is correct, the automated response system searches the personal profile database using the individual's social security number to access the individual's personal profile 16. After step 16, the individual is requested to enter, via the automated response system, a benefit plan identifier that in the preferred embodiment, is a character string associated with a particular benefit plan 18. The caller enters, in this embodiment, a five digit character string 20, and again has an opportunity to insure that the character string entered is correct 22. If it was not correct, the individual is referred back to 18 where he may re-enter the benefit plan identifier. Once the benefit plan identifier is correctly entered, the automated response system moves logically to FIG. 3.

[0015] At step 24 of FIG. 3, the invention searches and identifies the benefit plan entered by the individual. This is verified by reading back the name and other identifiers to the individual 26 by the automated response system. If the individual has already called for the week, he is notified at 27. Otherwise, the system moves logically to block 28 which requests whether the individual has filed an initial claim for State unemployment benefits and if not, is it because the individual is ineligible for the State benefits.

[0016] If the individual has filed an initial claim for State unemployment benefits, the invention requests that the individual enter a pre-encoded State abbreviation to identify the State 30 that is paying the unemployment benefits. This is then verified at 32.

[0017] If the individual is ineligible for State unemployment benefits, a live operator is provided to proceed further 34. If this call is made after hours, voice mail may be provided 36.

[0018] If the individual has not filed an initial claim for State unemployment benefits for some other reason, the individual is requested to file an initial claim and to check back with the system once this is done 38.

[0019] Proceeding after logical step 32, once the State is correctly entered, the individual is requested to enter the date the initial claim for State unemployment benefits was filed 40. Caller enters the date by touch pad 42 and the date entered is verified 44.

[0020] The individual is requested and enters his predetermined employment benefit registration number 46. The individual then confirms that he is currently employed at 48. If the individual is unemployed, he is told an approximate date of receipt of the SUB benefits and a confirmation number 50. If the individual has answered that he is currently employed, he is referred to a live operator 52 by the system.

[0021] After step 50, the invention automatically calculates the supplemental unemployment amount by subtracting from the base amount of the individual's pre-displaced wages, pre-encoded appropriate taxes and State unemployment benefit amounts. The invention then automatically provides for payment to the individual for the amount determined by its calculation.

[0022] In one embodiment of the invention, an administrator of the method and system of the invention charges a fee based on the cost savings provided. The cost savings can be calculated as equal to the basic wages and payroll taxes that a company utilizing the invention would have paid to an individual without the benefit of a supplemental unemployment benefit plan minus the amount of benefits actually paid by the company.

[0023] The amount actually paid by a company is the supplemental unemployment amount calculated by the invention. Savings are realized through reducing payroll taxes and offsetting benefit payments by amounts received as State unemployment compensation. These are advantages provided by SUB plans which the invention administors and automates.

[0024] The administration fee may be a percentage of the realized cost savings. This fee may be automatically charged by the system of the invention.

[0025] Another embodiment of the present invention occurs when at logical step 6, a caller signifies that she is calling to validate her weekly employment status. The invention next requests, via the automated response system, that the individual enter her social security number 54. This is verified 56 and the invention proceeds to search a personal profile database to identify the individual 58. If the individual is not found in the database, she is referred to a live operator 60.

[0026] Once the individual is found on the personal profile database, the system requests and the caller enters her benefit plan number 62 which is verified at 64. The benefit profile database is searched for the individual's social security number to verify the individual's membership in the particular benefit plan 66. If the individual has not registered she is referred to FIG. 3, logic box 28 or to a live operator 68. Once the benefit profile is confirmed the logic flow is to FIG. 6.

[0027] FIG. 6 begins at box 70 which has the automatic response system of the invention requesting whether the individual has received State unemployment payment for the week she is calling. If she has not received such benefits she is automatically referred back to logic box 48. If she has received her state unemployment payment she is requested to enter a check number 72 which is verified 74 via the automated response system. The check date is then entered and its correctness verified 76 and the check amount is entered and also confirmed 78. Once this process is complete, the individual is referred back to box 48 of FIG. 4 and proceeds from there.

[0028] If at box 6 the individual is calling to report reemployment, she is referred to FIG. 7 which initially requests the individual's social security number and confirmation of such 80. The system searches the personal profile database 82 for the individual's record, if the record is not located the individual may be referred to a live operator 84. Once the record is identified the system requests and confirms the entrance of a benefit plan number 84. The benefit profile database is automatically verified 86, by corresponding the individual with the benefit plan.

[0029] After this is completed, the caller is requested to enter her first date of new employment 88, which is verified 90. The system then proceeds to automatically terminate this individual from the SUB plan and the individual is given a confirmation number 92.

[0030] One method for providing and establishing personal profiles, benefit plans, benefit profiles, employment status and other required information to populate the system is for an administrator to collect this data from a client and individual. This can be done in written form or electronically by the administrator providing forms to be completed by the client and/or administrator.

[0031] The administrator can also provide reports to clients detailing the systems use of the data provided. Each client's data may reside in a particular sector of a database. The database information may be further broken down to types of data for each client.

[0032] One embodiment for populating the profile databases begins by the administrator sending forms to a client with fields comprising company name, website, addresses, employee identification numbers, States unemployment IDS, State unemployment insurance percent rates, contact information and SIC code.

[0033] To populate a database for an individual participant the administrator collects information that identifies the participant. The administrator also collects information that identifies the participant with a plan that has been described on the database.

[0034] A personal profile database is constructed by such data as an unemployed individual's name, address, telephone number, social security number, tax withholding status and tax filing status.

[0035] A benefit plan is defined on a database by data comprising eligible individuals, a client name, a client address, a client's employer identification number, States unemployment identification numbers, appropriate tax rates and contact information. The client is typically a company using an administrator to manage and operate a SUB plan via the invention for them.

[0036] The benefit profile defines the particular benefits for a particular individual on a benefit plan. The data in a benefit profile may include the individual's per pay rate, primary taxing State, benefit duration period, and year to date wages at the time of the individual's date of separation from employment.

[0037] The client will generally communicate with the administrator to keep individual participant and client data updated. This may be accomplished electronically with the data being imported directly to the database.

[0038] Accordingly, it should be readily appreciated that the system and method of the present invention has many practical applications. Additionally, although the preferred embodiments have been illustrated and described, it will be obvious to those skilled in the art, that various modifications can be made without departing from the spirit and scope of this invention. Such modifications ought to be considered as included in the following claims.